<p>I still would not overdo the loans. These plans, while they are great if they work out, might not. A lot of kids marry right out of college, or get jobs far away. Any of these situations would prevent her from moving home. I went to college. After college, I worked for a couple years and then returned for grad school. I met my husband there. I got pregnant at a point before graduating. My son end up in the NICU. I never went to work as a result. Of course, even if I could have moved back in with my parents at that point, I couldn’t have. Plus, my job in the time between, I did not earn enough to consider touching my loans. I could not even make ends meet (thus the reason I went on to grad school). And I was several states away. I LOVED my job, but, yeah, we are in our 40’s and still paying off our own student loans. We are actually debt free except the student loans, but still paying them off.</p>